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Culqi

Culqi

Peruvian startups and SMEs accepting local cards, Yape and PagoEfectivo

VS

Apple Pay

Mobile & contactless payments

Apple Pay
Fees from
3.44% + IGV (national cards/Yape); 3.99% + IGV (international cards/digital wallets/PagoEfectivo); online adds $0.20 fixed fee vs Custom
Features

0 shared

3 unique to Culqi · 3 unique to Apple Pay
Regions

1 shared

7 unique to Apple Pay
Pay methods

2 shared

5 unique to Culqi · 3 unique to Apple Pay
On region

Apple Pay covers 8 regions; Culqi covers 1. Verify directly with each provider before signing.

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Show full specs
6 features · 10 payment methods · 8 regions. We don't rank these — they're here for reference.
Culqi Culqi
Apple Pay Apple Pay
Quick Facts
Fees
Standard transaction rate
3.44% + IGV (national cards/Yape); 3.99% + IGV (international cards/digital wallets/PagoEfectivo); online adds $0.20 fixed fee
Custom
Settlement
Time to receive funds
Same day
Varies by payment processor
Founded
2013
2014
Headquarters
Lima, Peru
Cupertino, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
—
Features
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
✓
—
Low Fees Unique
—
✓
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Culqi leads (7 vs 5)
Apple Pay Unique
—
✓
Bank Transfer Unique
✓
—
Bnpl Unique
✓
—
Contactless Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Digital Wallet Unique
✓
—
Mastercard Unique
✓
—
Nfc Unique
—
✓
Visa Unique
✓
—
Regions
Apple Pay leads (8 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Culqi is best when you...

Peruvian startups and SMEs accepting local cards, Yape and PagoEfectivo
Need Instant Sandbox
Not available with Apple Pay
Need Recurring Payments
Not available with Apple Pay
View Culqi

Apple Pay is best when you...

Mobile & contactless payments
Need Enterprise
Not available with Culqi
Need Instant Payout
Not available with Culqi
Want coverage in Africa, Asia, Europe, Middle East, North America, Oceania, Southeast Asia
Culqi doesn't cover these regions
View Apple Pay

Frequently Asked Questions

What is the difference between Culqi and Apple Pay?
They share 2 payment methods and 1 region. Culqi adds Bank Transfer, Buy Now Pay Later, Digital Wallet and 2 more that Apple Pay does not list; Apple Pay adds Apple Pay, Contactless, NFC that Culqi does not list; Apple Pay also covers Africa, Asia and 5 more; only Culqi offers Instant Sandbox, Recurring Payments and 1 more.
Which is cheaper, Culqi or Apple Pay?
Culqi has published rates from 3.44% + IGV (national cards/Yape); 3.99% + IGV (international cards/digital wallets/PagoEfectivo); online adds $0.20 fixed fee; Apple Pay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Culqi and Apple Pay?
Culqi lists 1 region and 7 payment methods; Apple Pay lists 8 and 5. both cover Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Culqi and Apple Pay compare on integration and settlement?
both offer a sandbox; Culqi supports webhooks; Culqi settles in Same day, Apple Pay in Varies by payment processor.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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